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Individual Retirement Accounts

No matter your particular need, SouthernTrust Bank's Individual Retirement Accounts (IRAs) are designed to help you save for retirement. Our IRAs provide the safety, security and peace of mind to fulfill all your personal retirement needs. Interest can be paid by check, direct deposit, or compounding depending on your preference.

EARLY WITHDRAWAL PENALTY - An early withdrawal penalty will be assessed on time deposits if there is a withdrawal before maturity and will reduce earnings.

Other fees, terms and conditions may apply. Please refer to the complete account disclosures available at your nearest SouthernTrust Bank location. The Truth in Savings Act requires disclosures to be available on all consumer deposit accounts. Please inquire at any SouthernTrust Bank location for a separate Truth in Savings disclosure.

*Interest Rate and Annual Percentage Yield (APY) are accurate as of January 14, 2019 and are subject to change without notice. Complete required account disclosures will be provided at the time you open your account or upon request from any of our new account representatives. Call 618-995-9000 or 618-658-8888 for the most current information.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING OR CHANGING AN ACCOUNT WITH SOUTHERNTRUST BANK

Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorist and money-laundering activities.